CarGuard Administration
reviews and complaints

I wish I could give this company a 0 star review. We purchased the extended warranty after buying a new to us Buick in July. We have not even put 6,000 miles on it so no oil changes have been required. Earlier this month/end of September the [censored] end started to wobble a bit. My husband (a mechanic) checked it out, diagnosed it, and began looking for parts to replace. Next the transmission started to shimmy. We found a shop that they approved. Took my vehicle in and the claim was submitted when their guy got back from vacation. This scam of a company declined our claim due to lack of maintenance. Essentially telling the mechanic that because the bushings were out the transmission was faulty. Now they’re telling us it’s being denied due to the fact we drove it like this for three weeks. Note that it’s been sitting at the mechanic shop for 3 weeks. That also provided us documentation in the beginning with phone numbers that aren’t even connected to them. Do yourself a favor and don’t waste your money.

Stay away from this company! I was told 7 major lies regarding the process with them.

1. That they would find an ASE certified mechanic for you to go to - incorrect, you have to find them and ensure it's the shop that's ASE certified.

2. That due to me calling in and stating that the first mechanic it was sent to was shady, that they would cover towing to the new mechanic - incorrect, came out of my pocket.

3. Motor Vehicle Services, and the mechanic has verified the broken part, and verified that its covered under my plan and they should be covering it. They will not cover it.

4. Not only on the call with Cargaurds director heather but the call with MVS, there was a discusaion of an email between the two where heather stated that the issue to my vehicle was preexisting prior to the mechanic reaching out or the inspector viewing the vehicle. Receipt of last service request was shared with them stating no preexisting issues.

5. After calling MVS to cancel policy due to the unprofessionalism, I was told that they weren't covering my claim due to the incorrect date. The rep I spoke with incorrectly (or knowingly) wrote 5/18 instead of the correct date 6/18, which when this was brought to there attention, i requested the director Heather to review the recorded call, it was confirmed I said 6/18.

6. Promised a rental vehicle... you don't get that until your claim is approved, which will probably not happen.

7. Once I spoke with the director Heather, which I had asked to speak to several times prior, she stated information that did not add up, I questioned her, and she told me I was twisting her words and she would call me back the next day. I had to call in two days later. She didn't get on the phone but I was told that she was just now reviewing it. She then decided to leave a voicemail stating the same information as two days prior.

It has been 2 months without a vehicle and they have the worst customer service. No compensation for the misinformation, and did not cooperate with the mechanic properly. The Director Heather did not do anything to assist in this and could not tell me specifically why the claim was denied and would not let me speak to the claims adjuster or ispector. I also caught her in several lies regarding repairs needed that the mechanic had reviewed with me. Everyone involved including Motor Vehicle Services have stated that they didn't want to cover the repairs and lied there way through it.

If you own a motor vehicle, you need to have the protection of CarGuard. It's one of the best decisions I've ever made and I recommend this company to all of my friends and family. I purchased the Platinum Protection plan about 2 months ago, thinking it would give me peace of mind knowing that I wouldn't be crushed with unexpected car repair bills if something went wrong. I was so grateful for that decision because just a couple of days ago I took my car into the shop because it was making an awful whining noise. They told me it was the transmission which I knew would mean an expensive repair bill, but to my surprise, CarGuard kicked in and it didn't cost me a dime! Perfect timing because the past few months have been a bit of a struggle financially.

I've unfortunately been paying these rip off artists for the last 6 or 7 months and just tried to use it for the first time. My 2015 *** Sonata needs a drivers side front wheel bearing. The shop sent Car Guard the estimate of around $400. Car Guard came back with "We'll only pay $192 parts and labor". Meaning they want to use the cheapest C part available and short change the shop so my TOTALLY MEANINGLESS DEDUCTIBLE OF $100 is going to make it so I have to pay $154 total. I feel like I got scammed and the snotty little supervisor who I spoke to at Car Guard said "We only pay Manufacturers Suggested Retail" THEIR AMOUNT IS WAY UNDER SUGGESTED RETAIL! DON'T GET FOOLED BY THEM! DO NOT PURCHASE A CG CONTRACT FROM ANYONE! I'm beyond *** at them!

When I was buying my car, there were two things I was concerned about. The first was the fuel efficiency of the vehicle. I wanted an efficient car that was going to give me the most miles from a gallon of gas. The second concern was the warranty provided by the manufacturer. Unfortunately, my preferred manufacturer could only offer me a warranty of 36,000 miles or 3 years. This left me wondering how my car will be covered after three years. Fortunately, CarGuard Administration was there for me. The moment my warranty expired, I rushed to CarGuard Administration and bought a Platinum Protection plan. For a reasonable fee, the company covered all the electrical parts in my car, including; the steering, air conditioning, rear suspension, gaskets, and drive axle among other parts.

Contracted for extended warranty in the amount of $3,887. Gave a $295.00 deposit and made $195.55 payments since May 6th. Was told that , in case of repairs ,my only payment due would be the $100.00 deductible. Took my car in for a windshield wiper motor and a washer fluid pump. After waiting a few days for the insurance to ok the repair , the car dealer did the repair . The total bill was 498.95 dollars and the insurance only paid 194.23.dollars. The parts, labor and diagnostics were all listed as covered under the contract. Called the seller and was told that this company checks in a 50 mile radius for the cheapest parts and labor prices and that is what they pay. My portion of the bill was 324.91 dollars! I cancelled my contract. Be wise do not deal with these people. Bob C

After 3 weeks of dealing with the people in customer service, i was told my claim was denied due to "lack of verifiable service records" and "lack of service". The manager "joan" was abrupt and repeatedly stated "like i said..." when i asked questions like "why was i not notified of this til i called in" "what record is unverifiable" "what record is the issue". This was today. after emailing them service records from all the shops the car has been to over the last 3 weeks. I have sent 4 different emails, that i have to call in each time to get them to locate the email and forward it to the "adjuster"... the last item they wanted to verify was the part number on the oil used in an oil change over 6 months ago. These people will look for any reason, loop hole or excuse to deny a claim for the companies that hire them. DO NOT GET A WARRANTY IF THIS COMPANY "ADMINISTERS" IT.

This place is a total rip off and waste of your money. Do not get an extended warranty with them. Ive almost hit my 24 months of being a loyal customer with 0 late payments. I had my car break down and they gave me the complete run around. Asked for proof of oil changes when that had nothing to do with the problem my car experienced. Therefore I went over a month without a vehicle and payed for the repairs myself out of pocket. Ive paid in over $3,000 and they just keep taking but refuse to assist you when in need. This company is so unprofessional and not reputable. Per all the negative reviews I e read I wish I would e researched them before I agreed to a policy coverage with them. Do not give your money to this company. It takes an act of congress to end the policy and get your money back for non usage of coverage. I may seek legal action against them for my money back.

I drive a 2011 GMC 3500. At 65xxx miles the tourque converter went failed. The claim was denied. At 125xxx miles the transmission failed. Again the claim was denied. The reason given for denying the transmission claim was that I had gone over my recommended engine oil change mileage. Now what does that have to do with the transmission? I run full synthetic oil and I watch the oil life from the trucks computer which is programmed from the factory for synthetic blend oil. At 20% oil life, I get the oil changed. I produced every oil change record from the last 2 years as requested and produced the service record from the GMC dealer for the converter replacement, which I had to pay $1700 for. Now I have to pay $5600 for the transmission. This should be illegal. I paid them almost $4000 for this "Platinum" package. Now I see why they have so many complaints and thier rating is an "F".

Received a notice today my 2017 *** 230i was no longer covered by a factory warranty. I called to see their pricing. I asked them to e-mail me a copy of their contract so I could see what I would be agreeing to and was told I would get a booklet once I agree and pay a $495 down payment on it. Cost would be a total of $4,205. I said I would like to think about it for a couple of days and call back. He hung up on me. I wanted the couple of days to check with my dealer and Complaintsboard.com. His hanging up was all I needed to cross them off my list as it answered any question I may have had. If I buy a policy it will be directly with my *** dealer. In my lifetime I have had many cars, Fords (***, Thunderbirds, Galaxys), Mitshubishis (3000VR4, Spider), Subarus (***), Volkswagons (***, Beetle) In all those years none of my cars ever had a major service required. When I think of all the money I saved in not buying extended insurance I do believe I can afford to remain self-insured. ***.

They deserve a 0/5. We just went through a month long ordeal with this co. Our CVT transmission went out of our 2012 Nissan Rogue and they denied the claim three times. Even our service tech can't understand why they won't pay. They basically will not cover any work regardless. We don't have our receipts from oil changes we did at home so they are saying it wasn't properly maintained. They blamed the dealership for not servicing the transmission, even though it passed diagnostic tests. The original reason was because the mileage was wrong on the contract. We got that straightened out. $4,200 for something that is of no use to us. Everytime someone spoke with them all they would say was they didn't sell us the policy. What a run around. PLEASE DO NOT BUY A WARRANTY FROM THIS COMPANY! They are crooks. We feel the "broker company " that sold it to us is also at fault, but they refuse to accept any responsibility also. So glad we found out before losing $4,200 to them. We're now stuck trying to figure out how to pay for the repairs.

that pretends to be associated with car manufacturers. We recently purchased a 3 year old *** from a *** dealership. Shortly after we received a postcard in the mail with no company name, no return address stating that we needed to act fast to 'update the factory warranty' with just a telephone number. Upon calling the number, we were quickly told that this was a limited time 'program' and they insinuated that they were working with *** and Infiniti and did name both companies directly. Upon asking a few more questions and getting vague answers, I learned that they have no association with *** whatsoever and were pretending to be to con people into thinking that they were extending a factory warranty. The postcard literally said that we need to call within 5 business days to "guarantee safe operation of our ***". This is a sketchy company and should be held accountable for their shady and misleading business practices. I filed a complaint with the Postmaster since the US Mail was involved (*** permit #***)

I don't know where all the 5 stars are coming from. But my experience was mentally, emotionally and physically draining to the point I made myself sick. My blood pressure went sky high and I had a headache for days. The claim was opened on March 1 After having it towed to the *** dealership they verified it was the transmission. I called CarGuard and they told several lies as to how often the oil and transmission needed to be changed and they denied the claim. When i looked at the frequency of the oil and transmission schedule I was well within the limits of service intervals. They pulled carfax report and requested service records which was fine because they were air tight. They reopened the claim after a week. Each time they asked for service records and I supplied they asked for something else. This went on for over 2 weeks back and forth. They requested inspection report which i provided and that still wasn't enough. They requested the codes from *** a second time. The last and final straw was they asked for a sample of the transmission fluid. After 3 weeks of going back and forth they finally approved the claim for repair. I am leaving a lot out, but I wouldn't advise anyone to sign up with CarGuard. I cannot even tell you the number of lies I was told. They were hoping they would find a loophole and not have to repair the vehicle. I encourage anyone who has them as your servicer to make sure you keep air tight service records. Had I not kept air tight records they vehicle would've never gotten repaired. If there was a zero star I would've given it 0"

On Dec 21, 2021, the right front drive shaft of our AWD Escalade broke at 42K miles and the left drive shaft wobbles in the differential which had been serviced at 20K. I initiated the claim and provided a statement. Then the repair facility was told the claim was on hold until I provided a statement. When I called back, the said they were in error as they had my statement and needed nothing more except for copies of the replacement of the front wheel bearings. They paid for that repair but they insisted that they never had copies. The facility emailed them copies as they did when the prior repair was done. Then they told the repair facility that the claim was again on hold until I provided maintenance for the past year. I asked why they now had to delay things to get copies of the oil changes. What does this have to do with the differential and drive shaft? They only said it was their contractual right to demand this. I would assume from that they will not pay for something unrelated if ANYTHING is not properly maintained. We provided this and the front end alignment. Then they needed to send an inspector which delayed things several more days. On 1/5/22 the repair was approved and they were sending a differential and shaft but it would not arrive until 1/12/22 and expediting it was not an option but they would not provide us with a rental car for more than the 4 days @ $35 per day per the contract. (A full size SUV rents locally for $100+/day IF one is available.) I am severely disabled and my wife is also disabled so a vehicle has to be big enough to accommodate our *** and my mobility scooter. At best our SUV will be ready on 1/14/22 IF there is no damage to the transmission. Without a warranty they could have had these parts installed within 5 to 7 business days instead of 16 or more days. I would have given them a one for excessive delays but they have agreed to pay for the claim thus far so I will give them a 2.

I purchased the *** plan from CarGuard to provide extra protection of my vehicle in the event that a repair was needed. When I attempted to file a claim, I like many others that I have read about on this site, had my claim denied due to "lack of maintenance". They said that I had exceeded the allowable mileage between oil changes and due to that fact, they were denying my claim.My claim was on a bad torque converter in my transmission, not an internal engine part. Engine oil does not lubricate any part of the transmission so it is unrelated. The way that it was explained to me is that once you go too many miles between oil changes (which happens to us all from time to time because of our busy lives), you CarGuard warranty is basically null and void and they will deny any claim that you make from that point forward.We have all either received the numerous telemarketing calls attempting to sell us service warranties to cover out of pocket expenses for repairs to our vehicles or have seen the *** memes or have read about other peoples issues here on this site. Any reasonable person should, by now, see that CarGuard has their contract written for their benefit so as to not have to pay for any covered expenses.If you have purchased one of these warranties, I would advise you to diligently keep up with you vehicle maintenance and the service records to prove it so that you don't become a victim like so many of us here have become. To those that have not yet purchased on of CarGuard's warranties, It is my recommendation that you take the amount of money that you were willing to pay for the CarGuard warranty and put it in a savings account for the length of time of their alleged warranty so that you will be sure to have the money to pay your repair *** in the unfortunate event that a needed repair arises.I have learned my expensive lesson about CarGuard and warranty companies like them and I will never fall victim to them again.

I am a service advisor at a dealership. My customer came to our shop with issue, manufacturer defect. Presented myself with his purchased extended warranty from CarGuard . Our shop diagnosed vehicle to confirm failure and I called to start a claim (same day). CarGuard requested maintance records directly from elderly customer before moving to next step. I retrieved them and scanned and emailed over next day. CarGuard did not call back, so of course I called again and agian and agin with hold times of minimum 20 minutes each. sent pictures, inspector came out .No contact unless I made contact or the customer made contact. This repair ,which in fact was a manufacturer defect, was finally denied on 6/15/22 ,13 days after the customer started this journey. They gave no explanation to Myself-the service advisor-but later told the customer that it was because of a note made by another advisor a year before, of non-GM service recommendation for a cleaning of air conditioner. This is not supported by GM and was only a recommendation. That recommendation would not have resolved or contributed to the failure that these elderly folks endured. I sent over additional information to customer supporting GM guidelines and that is stated NOWHERE! These folks were without a vehicle for 14 days and had to pay for total repair. All items replaced were covered components per their contract and the CARGUARD company is Fraudulent in their claims of required. This elderly couple is on a fixed income but air cond in the middle of the Mohave desert is not an option as it is currently 111 degrees in afternoon and 92 degrees at 5:30am for span of 4.5 months *** CARGUARD, will no longer be accepted at our dealer with verbal explanation directly to customer so they know that this extended warranty is Fraudelant and not in customer best interest. CUSTOMER WANTS TO CANCEL ANY FURTHER CONTRACT BUT THEY TOLD HIM HE CANNOT! I hope there is someone to help Mr. of

this isnt about carguard but about the motor vehicle services company they use to sell me the service contract. after reading reviews of carguard i began to feel buyers remorse for purchasing a platinum contract through the secondhand company. after trying to cancel the contract through carguard they directed me to motor vehicle services to cancel. i contacted them and was imediately questioned as to why i wanted to cancel which is understandable. after giving them my explanation i was then cut off by the administrator and explained as to why i should not cancel and that my reason was not a "good" reason to cancel. i said i understand but i still want to cancel the contract, he proceeded to ask over and over again to give him a better explanation and after explaining over and OVER i mean this conversation went longer than 20 minutes trying to explain my position, i was insulted by the guy saying im "acting on my emotions, this isnt middle school" and "im acting like a ***" and my reasons just werent good enough for him as if my research on the company was stupid. he eventually put me on hold so i can "calm down" after being insulted and made to feel like my reasons were not liable? I never yelled i simply said "i will not be belittled by you and i ask you to stop now and proceed with informing me on the cancelation process." he said at the beginning of our conversation that there were a few different methods to canceling the contract so i immediately grabbed my contract to look at the cancelation policy. after some more time of going back and forth after being placed off of hold he then said "okay then we will just cancel your recent payment and you will wait 30 days for the contract to cancel out, is there anything else i can help you with?" , and by then i knew, as stated in the contract, that immediately voids the chance to get a prorated refund. he never even offered the chance to get the prorated refund after saying there were multiple ways to cancel. i brought up the agreement and asked about the prorated refund process and he just huffed and hurried through the process of explaining what i needed to include in a letter of cancelation mailed to them. i then went through the steps again with him to be sure of what was going to be in the letter because i had trouble even writing it down with how fast he was talking. they tried tricking me into just letting my policy cancel out and not being able to get a refund. underminded me thinking i had not read the agreement and had "childish" reasons for wanting to cancel it in the first place. i believe it doesnt matter why, he is just the person who gives me the information not the one to actually cancel the contract. if there were more concerns i would get a phone call or email after they recieve the letter of cancelation to go further in depth. he even said that he made no type of commission for selling the agreements and he was just trying to stop me from making a "stupid" decision, so i would like to know if that is really true. trickery.

CarGuard refused to open a claim regarding my car on 7/10 and refused to provide me with a denial letter. After speaking to *** on 7/20, who stated that the new claims adjuster was incorrect and the part was covered, told me to have the dealership call to open a claim. On 7/27, now they are denying the claim because the car was repaired and we (me and the dealership) did not inform them that the car was repaired when the inspector went out to inspect the vehicle on 7/24. Although, they admit that they were wrong on 7/10 for not opening a claim, now they will not pay because I authorized the repairs without informing them. They are just trying find a way to not pay the claim. The dealership provided them with the documents relating to the repairs. They just do not want to pay the money and is refusing to provide me with anything in writing.

Smoke was coming out of my car and when I tried to call the dealership they was backed-up and was also 1 hr drive from where I was located. I went to license Machine shop. They call the dealership and was told by the dealer to by the full kit. Buying only one piece would cause more problems to the car. My fuel line and gaskets was damage from oil leaking which caused smoke to come out of my car. The Machine shop and I both called to get coverage of the car. They kept telling us to call different people. I live in a small town where you need a car to get around. They are no cab services here. I had to come out of pocket and pay for my repairs. Then I was told they would fix it but since I already paid they can not honor that because I was to wait for approval. This is unacceptable. How long should a person wait for someone to understand they seriousness of the issue.

I made a claim a couple of months ago for a small oil seepage around the oil pan gasket. The warranty company advised they would send an inspector to look over the vehicle, after a couple of days they decided not to and asked for the shop to take a lot of extra steps for the warranty company. The shop wanted to charge me extra for this inspection on top of the difference in labor price that they would charge so I declined the repair due to the price this repair was going to cost me due to car guard not sending an inspector like they originally told me they would. This week I brought my vehicle back into the shop to find out it needs a transfer case. The warranty company proceeds to tell me all claims will be denied until I repair the oil seepage and transfer case first. Due to a completely unrelated issue with the oil seepage they are denying the claim of the transfer case. This is obsurb that a company can treat people this way.

I took my Car to the shop in Nov 2019 to find out to was burning oil and since the shop told me there is no more damage i could do to the Engine as long as there is OIL IN THE ENGINE i was going to wait til the new year to get it fixed well then all this COVID-19 stuff started and i didn't want to put myself at risk by getting a loaner so i waited til it started to reopen and get better to take my car into the shop... That being said my Car is in the shop 6/9 and they said i neglected the engine by not taking it in right away.. Even tho i provided them 3 Years of oil change history proving my Vehicle always had oil in it and never ran out of oil they still insisted on denying the claim saying i neglected the car even tho the shop told them there was no more damage done to the vehicle by waiting.. CARGUARD is a HUGE SCAM and will look for any reason to not pay ... They take your money and dont fix your car... STAY AWAY FROM THIS WARRANTY!

December 18 got a recommendation for service on car, scheduled appointment for January 12 (due to holidays Christmas and New Years and repair shop was scheduling 2 weeks in)- claim denied, repair shop spoke to warranty claims department, claim reinstated to be reviewed again, claim denied again (car sat for 3 weeks pending all of this) on one call, Car Guard claims adjustor was out sick so there was no one to look at the case. Case denied because of continued driving- repair shop mentioned that the part needed fixing anyways and that continuous driving did not make the part worse and did not affect any other part. Called to appeal this decision. Representative continues to put me on hold while she speaks to Director. Director of Car Gurd continues to explain that the case will not be reviewed and the case is closed and there is nothing further they can do. Asked for the appeal process (what I as the customer can do to appeal- Car Guard could not tell me a process.

After 3 weeks of dealing with the people in customer service, i was told my claim was denied due to "lack of verifiable service records" and "lack of service". The manager "***" was abrupt and repeatedly stated "like i said..." when i asked questions like "why was i not notified of this til i called in" "what record is unverifiable" "what record is the issue". This was today. after emailing them service records from all the shops the car has been to over the last 3 weeks. I have sent 4 different emails, that i have to call in each time to get them to locate the email and forward it to the "adjuster"... the last item they wanted to verify was the part number on the oil used in an oil change over 6 months ago... even though this was provided to them in email, they still chose to ignore it and deny the claim. These people will look for any reason, loop hole or excuse to deny a claim for the companies that hire them. DO NOT GET A WARRANTY IF THIS COMPANY "ADMINISTERS" IT.

CarGuard Administration Inc. hires call centers to randomly dial numbers to flog their bogus car warranty, in violation of the Telephone Consumer Protection Act of 1991 ("the Do Not Call" law), as well as ignoring repeated requests to stop calling. The company spoofs outgoing caller ID so the call appears to be coming from a different number, they use 6-8 different numbers at a time: block them all, and they use different fake numbers to get past the block. This has gone on for weeks, calls coming every 5 to 10 minutes for hours on end, if you ask what company they work for, they hang up. It took a long time and lot of pretending to want a warranty to find out the real caller: When the call comes in, the call center people screen the call (from the Philippines) then pass the call to someone in the US (with CarGuard), so they can pretend it is not them but it very much is, the "we work with outside contractors..." is a convenient (but fake) shield so they can shirk responsibility.

On 10/24 I purchased extended car warranty policy *** which is valid till 11/24/2022. 6/3 file a claim 11175 by *** "for rack and pinion leaking power steering fluid" which is covered under contract "bumper-to-bumper" coverage. 6/19 CarGurad adjuster was visiting repair shop to confirm defect. 6/24 after phone call to CarGurad I found out that claim has been denied. Talk to supervisor *** and was told that cause for denial is "continue operation of the vehicle" Under section V of the contract there is a statement that coverage could be denied if "damage caused by continued operation of an impaired vehicle" 1. Damage described above was not caused by "continued operation of impaired vehicle" . There is no damage could be done by operation of vehicle with leaking power fluid unless it cause of accident. 2. Vehicle with leaking power fluid is not considered "impaired vehicle" according to receipt from Service provider. 3. Any form of continue operation after diagnosis should not cause for denial according to contract I payed for 2.5 years for this policy to find out service is denied when I need it. Considered it a fraud.

An approved/covered repair under my premium warranty coverage was diagnosed, by an authorized repair facility. All necessary steps were taken by the repair facility to file a claim in this regard, and as the customer, I was told to provide my car's service history for further investigation. I was told that my repair didn't need immediate attention by the dealership, and to return/schedule a repair appointment after hearing back from my warranty company regarding the approval to move forward with my claim. CarGuard claims to have reached out to the repair facility three days later, but was unsuccessful in connecting with someone. The repair facility does not have any record of this attempt and refutes being contacted by them, neither was I notified of my claim's approval. Their explanation for now denying my claim is because I continued to operate my vehicle (my only mode of transportation, and didn't cause any further damage). I did not violate any contract holder responsibilities, and upper management is continuing to deny my claim. I feel totally taken advantaged of, and abused. I've been treated poorly as a customer and consumer by representatives of their company, and it's heart breaking a company can/have gotten away with treating consumers this way. I envision all future claims of any sort will be denied, rather related or unrelated, until I've paid out of pocket at one their authorized repair facilities for this current issue (transmission seal leak). Dec 7th: Called CarGuard service center regarding driver side heated seat malfunctioning. Dec 11th: visited authorized repair facility. The service mechanic stated he performed a curiosity inspection and discovered a transmission seal leak. He then proceeded to contact my warranty company to file claims. The heated seat claim got denied, and claims asked for car service history to further investigate the seal leak. I was then ok'd to leave the shop with my car. No claws on contract indicates this a violation.